Payer
Payer: A free Maldives wallet spanning bills, QR payments, transfers and merchant checkout. Ranked #57 of 89 in Mobile Payment Apps by our editors (3.0/10); pricing: Free plan; best for maldives users and merchants needing wallet payments.
At a glance
- Editor score3.0 / 10
- PricingFree plan
- Best forMaldives users and merchants needing wallet payments
- Free planYes
- Paid fromFree
- In-store paymentsYes
- Founded2018 · Hulhumalé, Maldives
- Facts checked25 Oct 2026
Where it wins
- Free consumer app with no monthly fees
- Covers bills, recharges, QR, online checkout and peer transfers
- Merchant API, hosted checkout and local service integrations
Where it doesn't
- Focused on Maldives-based payment needs
- Merchant acceptance is priced at 1% per transaction
- Wallet funding is handled through bank transfer
Our verdict on Payer
Payer is a Maldives-focused digital wallet and payment service from Payer Private Limited, founded in 2018 and headquartered in Hulhumalé. Consumers can fund a wallet by bank transfer, pay utility and telecom bills, recharge airtime and data, scan merchant QR codes, pay online, transfer money to other Payer users, review spending insights and transaction history, and purchase cinema tickets. The service is licensed by the Maldives Monetary Authority and provides iOS and Android apps, while merchants can use QR acceptance, hosted checkout or an API.
The consumer app is free to download with no monthly fees, making the core wallet suitable for individuals who want one place for everyday payments and transfers. Merchant acceptance is separately priced at 1% per transaction. That distinction matters for small and mid-market businesses evaluating checkout costs: the consumer side has no recurring fee stated, while transaction-based pricing applies to merchant payment acceptance. Payer supports mobile and cloud deployment, with email, chat and documentation listed as support channels.
Its ecosystem fit is strongly local. Integrations include Dhiraagu, Medianet, Ooredoo, STELCO, Raajje Online and Schwack Cinema, connecting the wallet to telecom, utility, online service and cinema use cases. The feature breadth suits Maldives users and merchants that want bills, recharges, QR payments, online checkout and peer transfers in one service. Organizations operating outside that market, or seeking a wallet centered on broader geographic coverage, should consider alternatives. Payer is the clearer choice for local payment workflows than for a general-purpose international wallet.
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Payer pricing
Payer fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| In-store payments | Yes |
| Peer transfers | Yes |
| Bill payment | Yes |
| QR payments | Yes |
| International transfers | Not verified |
| Mobile platforms | Both |
| Deployment | Mobile, Cloud |
| Platforms | iOS, Android |
| Support | Email, Live chat, Docs |
| Built for | Solo, Small business, Mid-market (editorial estimate) |
| Integrations | 6 integrations: Dhiraagu, Medianet, Ooredoo, STELCO, Raajje Online, Schwack Cinema |
| Pricing | Free plan |
| Website | payer.mv |
| Facts checked | 25 Oct 2026 |
Payer integrations
Payer lists 6 integrations on its own site.
- Dhiraagu
- Medianet
- Ooredoo
- STELCO
- Raajje Online
- Schwack Cinema
Alternatives to Payer
- PhonePeA free iOS and Android app for everyday UPI transfers, QR payments and bills.9.4
- Apple PayA no-cost payment service for Apple devices, with checkout availability depending on merchant and region.9.2
- Weixin PayA free mobile wallet for QR, merchant and supported cross-border payments.9.1
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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